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§ Private Profile · São Paulo, Brazil
Payment Platform for LatAm Micro and Small Businesses
Zippi has raised $4.3B across 2 funding rounds.
Key people at Zippi.
Zippi was founded in 2019 by Ludmila Pontremolez (Founder) and Andre Bernardes (Founder) and Bruno Lucas (Founder).
Zippi has raised $4.3B in total across 2 funding rounds.
Developer of a personal loans provider platform intended to benefit self-employed people financially. The company's platform offers weekly invoices, and payment through an application and does not charge an annual fee, enabling clients to focus on their business growth.
Zippi has raised $4.3B across 2 funding rounds. Most recently, it raised $4.2B Debt in February 2026.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Feb 12, 2026 | $4.2B Debt Financing | — | Bradesco BBI, Credit Saison, Itaú Asset, Unibanco, Valora Investimentos | Announced |
| Jun 1, 2022 | $17M Series A | Tiger Global Management | Accel, Amasia, BITKRAFT Ventures, Galaxy Interactive, Grão Venture Capital, Insight Partners, Kaszek Ventures, Rainfall Ventures, Gaetan Japy, Guilherme Bonifacio, Ryan Wyatt, Thomas VU, Globo Ventures, Hummingbird Ventures, Mantis VC, MSA Capital, Soma Capital, Volpe Capital, Y Combinator | Announced |
Zippi was founded in 2019 by Ludmila Pontremolez (Founder) and Andre Bernardes (Founder) and Bruno Lucas (Founder).
Zippi has raised $4.3B in total across 2 funding rounds.
Zippi's investors include Bradesco BBI, Credit Saison, Itaú Asset, Unibanco, Valora Investimentos, Tiger Global Management, Accel, Amasia, BITKRAFT Ventures, Galaxy Interactive, Grão Venture Capital, Insight Partners.
Key people at Zippi.
Zippi is a fintech company focused on providing digital financial services and credit solutions tailored for micro and small businesses in Latin America, primarily Brazil. Its core product is a credit and instant payment platform leveraging PIX, Brazil’s instant payment system, which enables micro-entrepreneurs to access working capital to purchase business inputs with a flexible weekly repayment cycle. This service addresses the unique cash flow challenges of informal and small-scale entrepreneurs who often lack access to traditional credit products designed for consumers rather than businesses[1][2][3].
Zippi serves over 100,000 active clients, mainly freelancers, micro-entrepreneurs, and small businesses, offering them weekly credit lines without the need for physical cards or annual fees, facilitating seamless transactions and business growth. The company has demonstrated strong growth momentum, managing $15 million in assets in 2024 with expectations to double by 2025, supported by a recent $16 million funding round led by major investors like Itaú and Tiger Global[2][3][5].
Founded in 2018 (or 2019 according to some sources) in São Paulo, Brazil, Zippi was created by Andre Bernardes, Bruno Lucas, and Ludmila Pontremolez, who recognized the financial exclusion faced by Brazil’s 30 million micro-entrepreneurs. These entrepreneurs represent about 30% of the Brazilian workforce but often struggle to access credit because their businesses are informal and financial products are consumer-oriented rather than business-oriented[1][2][5].
The idea emerged from the founders’ insight into the mismatch between available financial products and the needs of micro-entrepreneurs, who require short-term, flexible credit to manage working capital and supplier payments. Early traction came from successfully integrating PIX payments with credit offerings, enabling instant payments to suppliers while giving entrepreneurs a 7-day window to repay credit, which was a pivotal innovation in the Brazilian fintech ecosystem[1][4].
Zippi rides the wave of fintech innovation in Latin America, particularly the rise of instant payment systems like PIX and the growing demand for financial inclusion among informal and micro-entrepreneurs. The timing is critical as Brazil’s workforce increasingly shifts toward self-employment and microbusinesses, creating a large market underserved by traditional banks.
Market forces such as digital transformation, regulatory support for instant payments, and investor interest in fintech solutions for emerging markets work strongly in Zippi’s favor. By providing tailored credit solutions, Zippi not only fills a critical gap but also influences the broader ecosystem by demonstrating how technology can democratize access to capital and improve small business sustainability[1][3][4].
Zippi is poised to expand its credit offerings significantly by the end of 2025, doubling its managed assets and deepening its use of AI for risk and customer personalization. The company’s future growth will likely be shaped by continued fintech adoption in Latin America, evolving regulatory frameworks around instant payments, and increasing demand for flexible credit among micro-entrepreneurs.
As Zippi scales, it may broaden its product suite and geographic reach within Latin America, further influencing the financial ecosystem by setting new standards for accessible, technology-driven credit solutions tailored to small businesses. Its success underscores the potential for fintech to transform informal economies and empower millions of entrepreneurs[3][4].
This trajectory ties back to Zippi’s founding mission: to create financial products that truly fit the needs of micro-entrepreneurs, enabling them to thrive in a rapidly changing economic landscape.